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Last year s operating surplus came in low, because SBS Group was holding money back in anticipation of losses, Drylie said. The business was able to draw from this safety net in the past financial year, which resulted in this year’s growth, he said. The business has increased its investment in digital banking with new software and was teaching its older members to use telephone and Internet banking as the bank prepared for a cheque-free future. The march towards digital services raised the potential risk of cyberattacks, not only for SBS, but all organisations, Drylie said. “As we become more digital, we want to make sure we re secure,” he said.

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